Emergency Travel Information: Turkey

Current advice regarding the current situation in Turkey which will apply to all MAPFRE underwritten schemes.

EHICPlus, EHICPlus Expand, ANZPlus

July 2016: Turkey Coup 15 July 2016

The FCO are updating their advices as the situation develops.  This is currently as follows:

https://www.gov.uk/foreign-travel-advice/turkey

“We are aware of the current developments in Turkey. We are urgently seeking more information. Until the situation becomes clearer, we advise you to avoid public places and remain vigilant.”

Insurers have confirmed that they are considering this under civil unrest, in line with most policies Travel Disruption cover.

CLAIMS – there is a large loss code “TURKEY COUP 15 JULY 2016”, which can be used for this strike as well as the first strike last week.

Each client should refer to their own policy wording to check the specifics of cover as all our wordings differ slightly but in general, the following outlines the cover provided.

For policies underwritten by MAPFRE customers will need to have purchased a Travel Disruption extension to their policy as this is classed as Civil Unrest.

Travel delay

This would be deemed to be civil unrest so the travel disruption travel delay benefits and terms would apply.

Abandonment

If Travel Disruption is in place and the delay in departing from the UK exceeds 12 hours/24 hours as specified in the policy wording then unused travel and accommodation costs, which cannot be reimbursed from other sources, will be refundable.

Accommodation cover

If Travel Disruption is in place then the extended accommodation cover may come into effect if you cannot remain in your booked location as to result of the civil unrest.

Missed departure

If Travel Disruption is in place then the extended missed departure cover may come into effect if you cannot reach your international departure point and miss your international flight home as a result of this incident.

Cancellation

No specific cover as claims would fall under the Abandonment section terms.

In terms of travel to the UK departure points, a lot of our wordings state a customer must check in for a travel delay or abandonment claim to be valid. We would generally waiver this requirement whilst the Press and TV confirm no sea crossings, including the euro tunnel, are going in and out of the affected airports in Turkey.

Some of our policies include a Travel Disruption upgrade. For those customers who have purchased the upgrade additional benefits may be payable – please refer to each specific policy wording for full details of cover.

All of the above terms would apply to customers who purchased their policy before 15 July 2016 (when this became publically known via the media). For customers who have purchased their policy from 15 July 2016 onwards, the incident would be deemed to be a known event so no cover would be in place, or cover will be limited (please check the relevant policy wording).

For customers stuck overseas and unable to return to the UK, their existing policy would automatically extend to cover them until such time as they are reasonably able to return home.

For customers who are still in the UK and have not yet travelled, the following rules should apply:

–  Where possible, a full refund should be sought from their ferry company, euro tunnel, tour operator, travel agent etc. Only non-refundable expenses will be considered on their travel insurance policy.

– For customers wishing to rearrange their trip dates, provided they are not making any claim under Abandonment, we can allow the cover dates to be transferred to a new trip provided the new trip is within 3 months of the original departure date and is for the same (or no longer) duration and is to the same geographical area.

Any other specific requests falling outside the guidelines above should be referred for consideration for a decision based on the facts of each case.

Customers needing to make a claim should contact the Claims Department in the usual manner to obtain a claim form.

March 2016: Istanbul terrorist bombing

At least 4 people are known to have been killed, with over 36 injured.  We are yet to know whether this includes any British tourists.

http://www.bbc.co.uk/news/world-europe-35850625

The Foreign and Commonwealth Office (FCO) states:

“There has been an explosion on the morning of 19 March on Istiklal Street in central Istanbul resulting in a number of deaths and injuries. You should avoid the area and follow instructions given by Turkish security forces.”

https://www.gov.uk/foreign-travel-advice/turkey

If you’re currently in Turkey, please speak to your holiday company if you are not happy to remain in resort.

If you have booked a holiday to Istanbul, Turkey, that is due to depart very soon, please contact your holiday company as soon as you can as they should be able to either rearrange your holiday for another time or offer you a full refund. If you have a travel insurance policy with us, we can change this to cover your new holiday providing the new trip is within three months of your original departure date, is for the same (or no longer) duration and is to the same geographical area.  If your trip is cancelled and you are being fully refunded by your holiday company and so have no claim to make under this insurance, we will also consider the cancellation and refund of your existing policy.  Please note that this will only apply to Single Trip policies for specific trips covering the dates concerned.

We have also updated the advice regarding what cover we can offer you if you’re currently in Turkey below (updates in brackets):

  • Medical expenses – Any medical claims arising as a result of any attacks are fully covered under the policy terms and conditions.
  • Repatriation – We will provide cover for this in line with your medical needs.
  • Cutting short your trip – If you have chosen to end your holiday and no refund is available from your holiday company, then we will refund up to £1,000 per person for the cost of your lost holiday upon receipt of clarification from your holiday company as to why they will not reimburse this to you. This is extra cover that is not detailed in the policy terms and conditions, therefore the limits set out in the policy booklet do not apply in this case.  If you are currently in Istanbul, Turkey and have made independent arrangements (i.e. do not have a holiday company that can assist you with extended accommodation (room only) costs that you need to incur after your planned return date), we will allow claims to be submitted under this section, within the £1,000.00 limit provided, to assist you with these costs that you cannot get back from any other source.
  • Cancellation – If you’re cancelling a holiday to Istanbul, Turkey, in the first instance, you should speak to your holiday company, as most are offering a full refund/change of destination. However, if you find that these are not available to you, we will look at these on a case-by-case basis and will, again, be subject to clarification from your holiday company being provided as to the reason why this will not be refunded.
  • Travel delay – If you have travel delay cover this will be covered for delays over 12 hours, in line with the benefit on the policy (please note that if you are in Istanbul you can claim additional room only hotel costs or travel delay, but not both).
  • Baggage claims – any baggage claim associated with this incident will be considered. If any delay or loss occurs if the government arrange for its return, claims should initially be submitted to that government Authority before being submitted to us for consideration.

Cover under customers ‎policies will automatically extend if they are unable to return home as planned.

Please note that our advice remains valid until further notice.

FCO Advice:  https://www.gov.uk/foreign-travel-advice/turkey

BRITISH EMBASSY: Address: British Embassy, Kamer Hatun, Meşrutiyet Cd. No:34, 34435 TepeBaşı/Beyoğlu/İstanbul, Turkey

Phone:+90 212 334 6400

FOREIGN OFFICE NUMBERS FOR RELATIVES OF THOSE IN TURKEY:

Phone number in the UK: 0207 008 0000

January 2016: Istanbul attacks

PLEASE NOTE THAT THESE INSTRUCTIONS ARE FOR ISTANBUL ONLY AND DO NOT EXTEND ANY FURTHER WITHIN THE COUNTRY.

On 12 January 2016, the Foreign and Commonwealth Office (FCO) added advice regarding this incident, but have NOT advised against travel.  https://www.gov.uk/foreign-travel-advice/turkey

This attack resulted in 10 deaths and at least 15 injured, including tourists; however it is not currently thought to include British nationals.  http://www.telegraph.co.uk/news/worldnews/europe/turkey/12094350/Explosion-in-Istanbuls-central-square-causes-casualties.html

If you’re currently in Istanbul, Turkey, please contact your holiday company as soon as possible for further advice.

If you have booked a holiday to Istanbul, Turkey, that is due to depart very soon, please contact your holiday company as soon as you can as they should be able to either rearrange your holiday for another time or offer you a full refund. If you have a travel insurance policy with us, we can change this to cover your new holiday providing the new trip is within three months of your original departure date, is for the same (or no longer) duration and is to the same geographical area.  If your trip is cancelled and you are being fully refunded by your holiday company and so have no claim to make under this insurance, we will also consider the cancellation and refund of your existing policy.  Please note that this will only apply to Single Trip policies for specific trips covering the dates concerned.

We have also updated the advice regarding what cover we can offer you if you’re currently in Turkey below:

  • Medical expenses – Any medical claims arising as a result of any attacks are fully covered under the policy terms and conditions.
  • Repatriation – We are not currently aware that any travel companies or FCO are repatriating customers from the resort. If, for any reason, you’re unable to be repatriated by either of these then we will provide cover for this in line with your medical needs.
  • Cutting short your trip – As the FCO are not advising against travel, no cover is provided for cutting short your trip, unless this is confirmed as medically necessary following injury associated with the incident.
  • Cancellation – As the FCO are not advising against travel, no cover is provided for cancelling a trip to Istanbul, Turkey.  If you wish to change your travel plans / cancel, you should speak to your travel companies for further advice.  If you have a travel insurance policy with us, we can change this to cover your new holiday providing the new trip is within three months of your original departure date, is for the same (or no longer) duration and is to the same geographical area.  If your trip is cancelled and you are being fully refunded by your holiday company and so have no claim to make under this insurance, we will also consider the cancellation and refund of your existing policy.  Please note that this will only apply to Single Trip policies for specific trips covering the dates concerned.
  • Travel delay – Flights into and out of Istanbul, Turkey, should not be affected and therefore only standard cover is provided under this section and nothing has been extended with regard to this incident.
  • Baggage claims – any baggage claim associated with this incident will be considered. If any delay or loss occurs if the government arrange for its return, claims should initially be submitted to that government Authority before being submitted to us for consideration.

Cover under customers ‎policies will automatically extend if they are unable to return home as planned.

Please note that our advice remains valid until further notice.

FCO Advice:  https://www.gov.uk/foreign-travel-advice/turkey

 

  1. BRITISH EMBASSY:
  2. Address: British Consulate General, Kamer Hatun Mh., Meşrutiyet Cd. No:34, 34435 TepeBaşı/Beyoğlu/İstanbul, Turkey

Phone:+90 212 334 6400

  1. FOREIGN OFFICE NUMBERS FOR RELATIVES OF THOSE IN TURKEY:

Phone number in the UK: 0207 008 0000